McKayla Girardin, Car Insurance Writer
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An SR-22 lasts three years on average, though the exact filing period depends on the state. An SR-22 is a form filed with your state by your insurance company after offenses like driving without insurance or DUIs, and you must maintain coverage for the entirety of the required duration once you have an SR-22. Any lapse in coverage will reset the clock.
How Long SR-22s Last in the Biggest States
Minimum Filing Period
*For DUIs only, drivers in Florida are required to file an FR-44 form instead of an SR-22.
Key Things to Remember About SR-22s
- While an SR-22 may end after a few years, the action that led to it, such as a DUI, can stay on your record for significantly longer, depending on the offense.
- Some states do not use SR-22s at all.
- With an SR-22, you are required to continually carry insurance. Any lapse in coverage will be reported to your state’s DMV by your insurance company, and that will reset the clock for how long you need an SR-22.
- Having an SR-22 will classify you as a high-risk driver, due to the types of violations that trigger an SR-22. You will see more expensive insurance rates for about 3 to 5 years, depending on the severity of the offense.
- Not every state requires an SR-22, and each state has their own specific requirements.
To learn more, check out WalletHub’s guide to SR-22 insurance.
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